I agree with most of everything you wrote.
But banking apps and government apps is not a convenience, is a requirement, especially because, well, by law, they are required to provide an app and there is no choice around it. At least here.
I could indeed go back to bicycle everywhere I want to go and take in the train, but that is not convenience, that is life, so I need a car.
My point is that Google controls Android, whether they graciously allow us to have our foss Android and recompile it from sources is nice, but we still depend on Google and this is not good.
This is what needs to change, and there is no way around it.